Retirement and Super > Transition to Retirement

Transition to Retirement

Access your super while working in a transition to retirement strategy

Interest rate

Interest rate

Interest rate

Interest rate

Why APS?

Ease into your retirement

If you reached your preservation age and still working, you can use a transition to retirement strategy to reduce your working hours without reducing your income


More super, less tax

Boost your super and save on tax while you keep working full time

Extra relief for the over 60s

Receive tax free pension payments if you’re over 60 years old

Our specialists

Timothy Foster

Timothy has more than 25 years’ experience within superannuation (especially Public Service superannuation), banking, accounting and financial planning organisations (both in Australia and overseas). Timothy Foster’s qualifications include Certified Financial Planning (CFP), Life Risk Specialist (LRS) & Advanced Diploma of Financial Services (Financial Planning).

Paul Hatzigeorgiadis

Paul has over 25 years’ experience in the financial services sector, commencing his career in 1996. Throughout this time Paul has seen how his quality advice helps people to get through tough times and enjoy the good times.

Talk with Paul for an appointment today on (03) 9322 2000, 1300 131 809 or email paul.h@apsfinplan.com.au.

We’re here to help you

Reach us from 9:00am until 5:00pm weekdays


1300 131 809



Notices & downloads

Financial services guide
Timothy Foster and Paul Hatzigeorgiadis (PDF, 331KB)


Important information

Financial planning services are provided by APS Financial Planning Pty Ltd. APS Financial Planning Pty Ltd and its Advisers are authorised representatives of Fortnum Private Wealth Ltd – ABN 54 139 889 535. AFSL 357306.